Important Questions Answers Why this Matters:

Transcription

1 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at or by calling (855) Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services? Is there an out of pocket limit on my Medical expenses? Is there an out of pocket limit on my Pharmacy expenses? $750 single / $1,500 family for In- Network. $2,500 single/ $5,000 family for Non-Network. Does not apply to In- Network Preventive Care, Emergency Room Services, Copayments, Hospice and Prescription Drugs. In-Network and Non-Network deductibles are separate and do not count towards each other. Yes $50/$150 Pharmacy Deductible Yes; In-Network Single: $2,500, Family: $5,000 Non-Network Single: $5,000 family / $10,000. In- Network and Non-Network out-of-pocket are separate and do not count towards each other. Yes; After $50/$150 Pharmacy Deductible: Single: $2,000, Family: $6,000. You must pay all the costs up to the deductible amount before this plan begins to pay for covered services you use. Check your policy or plan document to see when the deductible starts over (usually, but not always, January 1st). See the chart starting on page 3 for how much you pay for covered services after you meet the deductible. You don t have to meet deductibles for specific services, but see the chart starting page 3 for other costs for services this plan covers. The out-of-pocket limit is the most you could pay during a coverage period (usually one year) for your share of the cost of covered services. This limit helps you plan for health care expenses. The out-of-pocket limit is the most you could pay during a coverage period (usually one year) for your share of the cost of covered services. This limit helps you plan for health care expenses Questions: Call (855) or visit us at If you aren t clear about any of the underlined terms used in this form, see the Glossary. You can view the Glossary at or call (855) to request a copy. Page 1 of 12

2 Important Questions Answers Why this Matters: What is not included in the out of pocket limit? Is there an overall annual limit on what the plan pays? Does this plan use a network of providers? Do I need a referral to see a specialist? Are there services this plan doesn t cover? Balance-Billed Charges, Health Care This Plan Doesn t Cover, Premiums, and Non-Network Human Organ and Tissue Transplant (HOTT) Services. No. This policy has no overall annual limit on the amount it will pay each year. Yes. For a list of network providers, see or call No. You don t need a referral to see a specialist. Yes. Even though you pay these expenses, they don t count toward the out-of-pocket limit. The chart starting on page 3 describes any limits on what the plan will pay for specific covered services, such as office visits. If you use an in-network doctor or other health care provider, this plan will pay some or all of the costs of covered services. Plans use the term in-network, preferred, or participating to refer to providers in their network. See the chart starting on page 2 for how this plan pays different kinds of providers. You can see the specialist you choose without permission from this plan. Some of the services this plan doesn t cover are listed on page 8. See your policy or plan document for additional information about excluded services. Page 2 of 12

3 Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service. Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if the plan s allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may change if you haven t met your deductible. The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the allowed amount, you may have to pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay and the allowed amount is $1,000, you may have to pay the $500 difference. (This is called balance billing.) This plan may encourage you to use participating providers by charging you lower deductibles, copayments and coinsurance amounts. Common Medical Event If you visit a health care provider s office or clinic If you have a test Services You May Need Non- Limitations & Exceptions Primary care visit to treat an injury or illness $25 Copay 40% coinsurance none Specialist visit $25 Copay 40% coinsurance none Other practitioner office visit Preventive care/screening/ immunization Diagnostic test (x-ray, blood work) Imaging (CT/PET scans, MRIs) Manipulative Therapy 20% coinsurance Acupuncturist Not Covered Manipulative Therapy 40% coinsurance Acupuncturist Not Covered Manipulative Therapy Coverage is limited to 30 visits per year. Costs may vary by site of service. You should refer to your formal contract of coverage for details. Services from In- Network s and Non-Network s count towards your limit. No cost share 40% coinsurance none Lab-Office No cost share X-Ray Office No cost share 40% coinsurance Lab Office Costs may vary by site of service. You should refer to your formal contract of coverage for details. X-Ray Office Costs may vary by site of service. You should refer to your formal contract of coverage for details. Page 3 of 12

4 Common Medical Event If you need drugs to treat your illness or condition More information about prescription drug coverage is available at armacyinformation/ If you have outpatient surgery If you need immediate medical attention Services You May Need Tier 1 Typically Generic Tier 2 Typically Preferred/Formulary Brand Tier 3 Typically Nonpreferred/Non-Formulary and Specialty Drugs 20% copay per prescription (retail 30 day supply) and $25 copay per prescription (mail order 90 day supply) 20% copay per prescription (retail 30 day supply) and $62.50 copay prescription (mail order 90 day supply) 20% copay per prescription (retail 30 day supply) and $100 copay prescription (mail order 90 day supply) Non- 50% coinsurance (retail only) 50% coinsurance (retail only) 50% coinsurance (retail only) Limitations & Exceptions If the member selects a brand drug when a generic equivalent is available the member is responsible for the generic copay + the cost difference between the generic and brand equivalent. If the physician indicates no substitution the member is only responsible for the brand copay. If the member selects a brand drug when a generic equivalent is available the member is responsible for the generic copay + the cost difference between the generic and brand equivalent. If the physician indicates no substitution the member is only responsible for the brand copay. If the member selects a brand drug when a generic equivalent is available the member is responsible for the generic copay + the cost difference between the generic and brand equivalent. If the physician indicates no substitution the member is only responsible for the brand copay.. Facility Fee (e.g., ambulatory surgery center) Emergency room services 20% coinsurance 20% coinsurance Waived if admitted. Emergency medical transportation 20% coinsurance 20% coinsurance none *Urgent Care copay excludes certain diagnostic tests such Urgent care 20% coinsurance 40% coinsurance as MRA s, MRI s PETS, C-Scans, Nuclear Cardiology Imaging studies, Non-Maternity related Ultrasounds, allergy testing and pharmaceutical injections & Drugs. Page 4 of 12

9 Your Rights to Continue Coverage: If you lose coverage under the plan, then, depending upon the circumstances, Federal and State laws may provide protections that allow you to keep health coverage. Any such rights may be limited in duration and will require you to pay a premium, which may be significantly higher than premium you pay while covered under the plan. Other limitations on your rights to continue coverage may also apply. For more information on your rights to continue coverage, contact the plan at You may also contact your state insurance department, the Department of Labor s Employee Benefits Security Administration EBSA (3272) Your Grievance and Appeals Rights: If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file a grievance. For questions about your rights, this notice, or assistance, you can contact: Anthem Blue Cross Blue Shield Department of Insurance ATTN: Appeals 215 West Main Street P.O. Box Frankfort Kentucky Atlanta GA Main: Toll Free (Kentucky only): Or Contact: TTY: Department of Labor s Employee Benefits Security Administration at EBSA (3272) or A consumer assistance program can help you file your appeal. Contact: Kentucky Department of Insurance Consumer Protection Division P.O. Box 517 Frankfort, KY (877) Page 9 of 12

10 Does this Coverage Provide Minimum Essential Coverage? The Affordable Care Act requires most people to have health care coverage that qualifies as minimum essential coverage. This plan or policy does provide minimum essential coverage. Does this Coverage Meet the Minimum Value Standard? The Affordable Care Act establishes a minimum value standard of benefits of a health plan. The minimum value standard is 60% (actuarial value). This health coverage does meet the minimum value standard for the benefits it provides. Language Access Services: To see examples of how this plan might cover costs for a sample medical situation, see the next page. Page 10 of 12

11 About these Coverage Examples: These examples show how this plan might cover medical care in given situations. Use these examples to see, in general, how much financial protection a sample patient might get if they are covered under different plans. This is not a cost estimator. Don t use these examples to estimate your actual costs under this plan. The actual care you receive will be different from these examples, and the cost of that care will also be different. See the next page for important information about these examples. Having a baby (normal delivery) Amount owed to providers: $7,540 Plan pays $6,210 Patient pays $1,330 Sample care costs: Hospital charges (mother) $2,700 Routine obstetric care $2,100 Hospital charges (baby) $900 Anesthesia $900 Laboratory tests $500 Prescriptions $200 Radiology $200 Vaccines, other preventive $40 Total $7,540 Patient pays: Deductibles $500 Copays $0 Coinsurance $680 Limits or exclusions $150 Total $1,330 Managing type 2 diabetes (routine maintenance of a well-controlled condition) Amount owed to providers: $5,400 Plan pays $4,190 Patient pays $1,210 Sample care costs: Prescriptions $2,900 Medical Equipment and Supplies $1,300 Office Visits and Procedures $700 Education $300 Laboratory tests $100 Vaccines, other preventive $100 Total $5,400 Patient pays: Deductibles $500 Copays $250 Coinsurance $380 Limits or exclusions $80 Total $1,210 Note: These numbers assume the patient is participating in our diabetes wellness program. If you have diabetes and do not participate in the wellness program, your costs may be higher. For more information about the diabetes wellness program, please contact: or Page 11 of 12

12 Questions and answers about the Coverage Examples: What are some of the assumptions behind the Coverage Examples? Costs don t include premiums. Sample care costs are based on national averages supplied by the U.S. Department of Health and Human Services, and aren t specific to a particular geographic area or health plan. The patient s condition was not an excluded or preexisting condition. All services and treatments started and ended in the same coverage period. There are no other medical expenses for any member covered under this plan. Out-of-pocket expenses are based only on treating the condition in the example. The patient received all care from innetwork providers. If the patient had received care from out-of-network providers, costs would have been higher. What does a Coverage Example show? For each treatment situation, the Coverage Example helps you see how deductibles, copayments, and coinsurance can add up. It also helps you see what expenses might be left up to you to pay because the service or treatment isn t covered or payment is limited. Does the Coverage Example predict my own care needs? No. Treatments shown are just examples. The care you would receive for this condition could be different based on your doctor s advice, your age, how serious your condition is, and many other factors. Does the Coverage Example predict my future expenses? No. Coverage Examples are not cost estimators. You can t use the examples to estimate costs for an actual condition. They are for comparative purposes only. Your own costs will be different depending on the care you receive, the prices your providers charge, and the reimbursement your health plan allows. Can I use Coverage Examples to compare plans? Yes. When you look at the Summary of Benefits and Coverage for other plans, you ll find the same Coverage Examples. When you compare plans, check the Patient Pays box in each example. The smaller that number, the more coverage the plan provides. Are there other costs I should consider when comparing plans? Yes. An important cost is the premium you pay. Generally, the lower your premium, the more you ll pay in out-ofpocket costs, such as copayments, deductibles, and coinsurance. You should also consider contributions to accounts such as health savings accounts (HSAs), flexible spending arrangements (FSAs) or health reimbursement accounts (HRAs) that help you pay out-of-pocket expenses. Page 12 of 12

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